Compare Rates


Student loan refinancing lowers your interest rate, simplifies your payments and helps you get out of debt faster. 
How much will refinancing save you? 


With steep rates on your federal and private student loans, or Parent PLUS loans, it's easy to save money
by refinancing into a Purefy loan.

What's the catch?

When the federal government extends loans to students to attend college, the government does not check credit and everybody receives the same rate. This is a great program for most students who need help with their tuition but are unlikely to be able to borrow at a good rate from private lenders. But as the years pass, the government does not offer to refinance these loans at lower interest rates… even if market interest rates have dropped and graduates have steady jobs and good credit. As a result, many graduates end up paying higher rates than they could get from a private lender by refinancing their federal loans.

Be sure to review all the benefits of your federal loans before refinancing. These benefits include income-based repayment, public service loan forgiveness and payoff upon death or disability. But if you aren’t benefiting or eligible for the federal programs, refinancing can lower your interest rate and get you out of debt faster. At Purefy, we reward borrowers who have achieved their degrees, started their careers and kept their credit clean.

So, what's the catch? There is no catch.

pay off student loans


Many student loan borrowers are looking for a lower monthly payment. Our customized repayment terms and lower rates give you the flexibility.

If you choose to shorten your repayment term, you'll not only get out of debt quicker, but you'll also substantially increase the amount of interest savings over the life of the loan.

Couple Loan

Purefy offers an innovative solution for married couples looking to save on interest costs by combining their loans with their spouse. When you apply for a Couple Loan, we combine your incomes and use the higher of your two credit scores to maximize savings. The spouse who has earned the higher degree should apply as the main borrower. Give us a call if you have any questions!

Parent Loan Refinancing

Parents can often save a lot on their high cost private or Parent PLUS loans by refinancing. Go to Find My Rate to see how much you can save on your parent loans. Another option for parents is to become (or remain) a co-signer to help your children get lower rates when they refinance.

The Process

Find Your Rate

Answer 5 easy questions to see how much you can save

Analyze Your Options

Review Rates, discounts and your new monthly payment

Apply Online

Select the option that's best for you and apply in 15 minutes

Submit Docs

Once you're pre-approved upload docs with a screen shot or smart phone picture

Review Disclosure &

Accept the terms of the loan and e-sign loan docs

Loan Disbursement

That's it! Your new loan is set up and you are now saving money.

What You'll Need to Apply

Our quick and easy loan application takes less than 15 minutes to complete. If approved, we'll then require the following items to be submitted.

  • Driver's License
  • Paystub or Tax Return
  • Graduation verification (diploma or transcripts)
  • Payoff Statement from current servicer(s)
  • Membership Application

Eligibility Criteria

To be eligible for a Purefy loan, you must:

  • Be a US citizen
  • Have strong credit history
  • Have at least one outstanding education loan
  • Have annual income of at least $42,000 (or $25,000 with a co-signer)
  • Be a US citizen
  • Strong credit history - minimum credit score of 670 with a co-signer and 700 without a co-signer
  • At least one outstanding education loan
  • Earned a four year degree, or higher, from an accredited institution
  • Have annual income of at least $42,000 (or $25,000 with a co-signer), no minimum income with a spouse co-signer
Find My Rate